The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,928
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,237
−HK$314/mo
Today · 4.125%
HK$10,551
baseline
▲ 0.50% · 4.625%
HK$11,193
+HK$642/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$21,102/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,045
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,341
−HK$301/mo
Today · 4.125%
HK$11,642
baseline
▲ 0.50% · 4.625%
HK$12,256
+HK$614/mo
Deposit HK$2.18M · loan HK$2.18M · min. income ≈ HK$23,284/mo (50% DSR)
Upfront cash ≈ HK$2.24M (deposit + AVD stamp duty HK$65,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,914
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,285
−HK$376/mo
Today · 4.125%
HK$12,661
baseline
▲ 0.50% · 4.625%
HK$13,432
+HK$771/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$25,322/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,254
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,610
−HK$360/mo
Today · 4.125%
HK$13,970
baseline
▲ 0.50% · 4.625%
HK$14,707
+HK$737/mo
Deposit HK$1.74M · loan HK$2.61M · min. income ≈ HK$27,940/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$65,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,900
−HK$871/mo
▼ 0.25% · 3.875%
HK$14,332
−HK$439/mo
Today · 4.125%
HK$14,771
baseline
▲ 0.50% · 4.625%
HK$15,670
+HK$899/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$29,542/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,463
−HK$836/mo
▼ 0.25% · 3.875%
HK$15,878
−HK$421/mo
Today · 4.125%
HK$16,299
baseline
▲ 0.50% · 4.625%
HK$17,158
+HK$859/mo
Deposit HK$1.31M · loan HK$3.05M · min. income ≈ HK$32,598/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$65,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,871
−HK$1,121/mo
▼ 0.25% · 3.875%
HK$18,427
−HK$565/mo
Today · 4.125%
HK$18,992
baseline
▲ 0.50% · 4.625%
HK$20,147
+HK$1,155/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$37,984/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,881
−HK$1,075/mo
▼ 0.25% · 3.875%
HK$20,415
−HK$541/mo
Today · 4.125%
HK$20,956
baseline
▲ 0.50% · 4.625%
HK$22,060
+HK$1,104/mo
Deposit HK$435K · loan HK$3.92M · min. income ≈ HK$41,912/mo (50% DSR)
Upfront cash ≈ HK$501K (deposit + AVD stamp duty HK$65,311 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).